So, I will take ***'s suggestion, and post my journey in this thread, and hopefully it will be helpful to everyone (especially has loan with GMAC). I will date all the events, and give everybody a rough estimate where they are at, though each case is different.
I had learned so much from loansafe.org, it's time for me to give back a little.
Please ask if you have any questions, and I will answer as long as I know the answer.
Keep in mind, I am just a software engineer, I nearly failed my economics 101 in college...
Julia